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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 31–45 results in New Jersey

  1. Top Carrot, Carrot Score 88
    Garden Savings FCUShare CertificatesCD · 13 months · $500 min

    Credit union · 6 branches

    4.25%APY$461 over 13 months on $10,000
  2. Top Carrot, Carrot Score 89
    Greater Alliance Federal Credit UnionShare Certificate AccountCD · 18 months · $500 min

    Credit union · 3 branches

    4.25%APY$644 over 18 months on $10,000
  3. Top Carrot, Carrot Score 89
    S. Middlesex FCUShare Certificates of Deposit (CD)CD · 18 months · $1,000 min

    Credit union · 1 branch

    4.25%APY$644 over 18 months on $10,000
  4. First Commonwealth Federal Credit UnionCertificate SpecialsCD · 19 months · $500 min

    Credit union · 1 branch

    4.25%APY$681 over 19 months on $10,000intro rate
  5. Top Carrot, Carrot Score 87
    Proponent Federal Credit UnionShare CertificatesCD · 24 months · $500 min · 4.20%–4.30% by balance

    Credit union · 1 branch

    4.25%APY$868 over 24 months on $10,000
  6. Top Carrot, Carrot Score 90
    First Harvest Credit UnionShare CertificateCD · 24 months · $500 min

    Credit union · 6 branches

    4.25%APY$868 over 24 months on $10,000
  7. Top Carrot, Carrot Score 87
    Bogota Savings BankCertificate of DepositCD · 24 months · $1,000 min

    Bank · 7 branches

    4.25%APY$868 over 24 months on $10,000
  8. Magyar Bank (New Brunswick, NJ)Certificates of Deposit (CDs)CD · 25 months · $2,500 min

    Bank · 7 branches

    4.25%APY$906 over 25 months on $10,000
  9. Top Carrot, Carrot Score 95
    Self Reliance Financial Federal Credit UnionCertificateCD · 12 months · $500 min

    Credit union · 1 branch

    4.24%APY$424 over 1 year on $10,000
  10. First Citizens Community BankCertificate of Deposit SpecialsCD · 17 months · $10,000 min · 4.22%–4.32% by balance

    Bank · 1 branch

    4.22%APY$603 over 17 months on $10,000with conditions
  11. Hanover BankCertificate of DepositsCD · 13 months · $500 min

    Bank · 1 branch

    4.20%APY$456 over 13 months on $10,000
  12. Top Carrot, Carrot Score 93
    American Heritage Credit UnionCertificatesCD · 18 months · $1,000 min

    Credit union · 5 branches

    4.20%APY$637 over 18 months on $10,000intro rate
  13. Top Carrot, Carrot Score 89
    Ascendia BankCertificates of DepositCD · 60 months · $500 min

    Bank · 5 branches

    4.20%APY$2,284 over 60 months on $10,000
  14. OceanFirst Bank9 Month CD SpecialCD · 9 months · $5,000 min

    Bank · 35 branches

    4.18%APY$312 over 9 months on $10,000with conditions
  15. Top Carrot, Carrot Score 89
    Hoboken School Employees Federal Credit UnionShare CertificatesCD · 36 months · $5,000 min

    Credit union · 1 branch

    4.16%APY$1,301 over 36 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What CDs pay in New Jersey

1,370 CDs at 141 banks and credit unions · checked Oct 16–22

Typical
2.80%
Top 10% from
4.00%
Banks, typical
2.25%
Credit unions, typical
3.04%

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New Jersey

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Altra Federal Credit UnionCredit union · 1 branch
  2. PenFed Credit UnionCredit union · 1 branch
  3. Bridgeton Onized Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate